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Our team tailors policies to Portland, ME residents, meaning optimal coverage at competitive rates.
"I was totally lost trying to find the right life insurance until I found PolicyHub. I was able to work with a licensed agent to compare all my options all at one. I got the perfect plan for me at a cheaper rate than I expected."
Barbara Winters
Policy Holder
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Life insurance in Portland, ME Done in 3 easy steps
Step 1
Tell us about yourself.
Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
Compare rates & plans with a pro.
Discuss your options with a licensed insurance agent. Compare different plans to find the best policy with the best rates.
Step 3
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Secure the lowest rates and lock in the perfect life insurance policy for you and your family.
"I lost hope trying to find a life insurance policy that wasn't insanely expensive. Thankfully PolicyHub helped me find the perfect policy that is affordable with high coverage. Thank you!"
Bill Barton
Policy Holder
PolicyHub is the smartest way to protect the people that matter most.
Safeguard Your Family
Life insurance means safeguarding your family in a worst-case scenario. Don't risk it.
Gain Peace of Mind
Far too many Americans are financially blindsided by the death of a loved one. But not your family.
Protect Your Business
Protect your business by ensuring a smooth transition of ownership with the right life insurance.
Beat Estate Taxes
Inheritance or estate taxes is burdensome for your heirs. A life insurance policy can help.
Invest in Your Future
For less than $1 per day, you can make a huge contribution to your family's financial safety.
Build Your Legacy
Through a life insurance policy, you can leave behind a legacy for your loved ones.
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With PolicyHub getting started is easy. Compare all the rates from all the providers in Portland, ME. Get started in under 5 minutes.
All your life insurance needs in one place.
Term Life Insurance
Term insurance provides coverage for a set period of time, and it's a cost-efficient way to get the maximum coverage. It's an excellent solution for folks who have a temporary need for coverage.
Whole Life Insurance
Whole life insurance is coverage that lasts your entire life. This type of insurance also has a cash value component that grows over time, offering potential for financial growth along with lifelong coverage.
Universal Life Insurance
Universal life insurance is flexible coverage that lets you adjust your premiums and death benefits as your circumstances change throughout life. This flexibility makes it a popular choice.
No-Medical-Exam Life Insurance
No-medical-exam life insurance allows you to dodge the medical examination usually required for life insurance policies. It's perfect for individuals who want a swift approval process or have health concerns.
"Highly HIGHLY recommend PolicyHub if you need life insurance. They saved me sooo much time and money on my policy, it's nuts. Comparing all the providers at once is a game changer."
Chris Stephens
Policy Holder
Introducing PolicyHub Price Match Guarantee
Our priority is to save you money while getting you the right coverage. If you find a lower rate for a similar policy anywhere else, we'll match it! With PolicyHub, you can rest assured knowing you're getting the best price in Portland, ME.
Save time and get the best policy with the cheapest rates. Guaranteed.
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"I knew I needed life insurance but I didn't know where to go. I talked with a few other companies but the cost was outrageous. I found PolicyHub and found the perfect plan for me at an affordable cost."
Wendy Smith
Policy Holder
Frequent Questions...
Life insurance in Portland, ME is financial protection for your family that pays out a benefit in the event of your death or injury. Depending on the type and amount of life insurance you choose, the benefit can cover lost income, funeral costs, and medical expenses, leaving your loved ones in a more secure financial position. Having life insurance in Portland, ME can also help prevent an estate from being settled in probate court, helping your family to save time and money.
What is a policy lapse in life insurance companies in Portland?
A policy lapse in life insurance is a situation in which a policyholder in Portland, ME has not paid the premium on their life insurance policy and it has lapsed. A lapse in life insurance will put the policyholder in a vulnerable situation and could potentially mean the policyholders are not covered or are only partially covered. It is important for those in Portland, ME with life insurance to pay their premiums to ensure their policies are up to date and that they are receiving the appropriate coverage. In Maine, a health insurance policy that has lapsed will be reinstated within 30 days.
What happens if I stop paying premiums on my life insurance policy Portland?
If you stop paying premiums for your life insurance policy in Portland, ME, your policy will typically lapse and cease to exist. This means that you may not have protection from any of the benefits included in the policy and that your beneficiaries will not receive the funds from it. It is important to ensure that you can continue to pay your premiums so that your life insurance policy does not lapse and you maintain the protection it provides. If you find yourself unable to pay the premiums, contact your agent or company to see if arrangements can be made or if a different policy is more suitable.
What's the cost of life insurance near Portland?
In Portland, ME, the cost of life insurance depends on multiple factors such as your age, health, occupation, lifestyle, and the amount and type of insurance you need. Generally, term life insurance, the most cost-effective type, ranges from $15 to $50 per month for a $250,000 policy. The cost of permanent life insurance is more expensive, and may range from several hundred to several thousand dollars per year.
With a life insurance company Portland, am I eligible if I'm a smoker, drinker, or if I engage in high-risk activities?
Yes, you can still obtain life insurance in Portland, ME if you're a smoker, drinker, or engage in high-risk activities. The amount you're charged for your life insurance will depend on the level of risk associated with your lifestyle. Many insurers offer a variety of policies to suit the needs and budgets of their customers. In order to get the best possible rate for life insurance, it's important to compare multiple companies for the best coverage and rates. Also, many insurers provide discounts for people who have quit smoking or drinking, so it's important to reveal this information.
In Portland, Maine, if your life insurance beneficiary predeceases you, the policy will default according to the provisions set forth by the specific policy. Depending on the type of policy, life insurance proceeds may be paid to the insured person's estate, or the money may be dispersed to alternate beneficiaries. Itβs important to keep your life insurance policy updated to ensure that the money is distributed in accordance with your wishes. It's also important to consult with an insurance specialist in Portland, Maine to review the provisos of your policy to determine how the money would be distributed.
With life insurance policies near Portland, how does my beneficiary claim their payout?
Beneficiaries in Portland, ME have a few options for claiming their life insurance payout. They can contact the insurer directly to obtain the paperwork to complete the process and submit it with any required documents. Alternatively, the beneficiary can visit the insurer's local office in Portland, ME and file their claim in person. It's important to know that any unused premiums will be included in the payout, and that there may be certain tax implications or restrictions that must be addressed prior to claiming the life insurance payout.
What is a life insurance rider, and what types of life insurance in Portland are available?
A life insurance rider is a supplementary addition to a life insurance policy that provides additional coverage, typically for a specific purpose. There are many different types of life insurance riders available in Portland, Maine. Examples include Waiver of Premium rider, which would waive the premiums if you are disabled or unemployed; Accidental Death Benefit rider, which would pay an additional benefit for deaths caused by accidental injury; and Accidental Dismemberment rider, which would pay additional benefits if you lost a limb by accident.
Is a Portland life insurance policy through work enough?
Although life insurance through work may provide a certain degree of coverage, systemic and personal life changes often make it difficult to assess what is "enough". In addition, Portland residents have a number of specialized life insurance needs, such as protecting their homes from changes in the real estate market or financially protecting their families if they have a disability. Due to the specific needs of residents of Portland, ME, life insurance through work may not be enough to meet their full needs.
What is the 'free look period' from a Portland life insurance company?
The free look period in life insurance in Portland, Maine is a ten day period in which a life insurance policy is under evaluation. During this period, there is no obligation to accept the policy, and the policy holder may cancel the policy without penalty. During the ten day free look period, Portland, ME policy holders can review the terms of the policy and make sure the coverage is what they expected. After the tenth day, the policy holder must agree to the terms of the policy and the policy is considered active.
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